Ramblings

Hope you all had a great Thanksgiving! As expected, mine was a little emotional, but I expected that. More on that later.

I found out Wednesday night that our insurance doesn't cover donor services. I expected that. They will cover anything to do with me, but nothing with the donor. However, we have a high deductible plan and ART is out of network, so we have to pay $5000 before anything is covered and then we have an infertility max of $5000. So, we figure of a donor IVF cycle, we have to pay at least $15,000-16,000 out of pocket.

Okay, I'm not complaining. I know we're lucky to have some insurance coverage so I'm blessed to have that. A lot of people don't have that so I know we're blessed. I guess I'm down because we're still paying off this last no-good IVF cycle but I know other people are in the same boat. And, yes, I know when we have a baby that we'll have MUCH more expenses, but in my mind (and maybe I'm wrong), when you have a baby, you get to watch where your spent money goes and to someone you love more than anything and you'd give the world to so your money is so well spent. With IVF and infertility, the huge amount of money you spend is for a "chance" to have that and so money becomes more of an issue. Does that make sense?

Also, with Mark's health issues, we have more expenses than most people. Mark has a max out of pocket for insurance of $2500 every year and we usually meet that by the end of FEBRUARY just in his meds. And with the meds, you have to pay within that month or suffer the late fees unlike with hospitals/clinics where you can pay small monthly payments with no fees. So, we have to budget every year knowing we have to pay $2500 in 2 months. He also has quite a few meds that aren't covered and that is about $50 a month.

Okay, it sounds like I'm complaining, but I'm not. I hardly ever mention the money we spend on Mark because to me, it's sooooo worth it. To be able to watch my husband live each day when the odds were against him living past the age of 20....well, I'd spend any money for that.

I guess I'm a little discouraged right now after talking with our insurance company but things always work out. I'm very blessed for what I do have and I know it could always be worse. We are very lucky to have what we do and God always provides for us. It's amazing.

I guess I just needed to get things out and write them down so thanks for listening. :)

Oh, and check out my poll on the right! I'd love to hear your honest opinions and thanks to those who have already voted!! We already know what we're doing but we'd love to hear your opinions!

I hope you all are having a GREAT weekend! :)